2019-20 Open Enrollment - June 1-21, 2019 Human Resources - County of San ...
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Human Resources
Employee Benefits and Services
2019-20 Open Enrollment
June 1-21, 2019
Benefits Odyssey
www.SBCounty.gov
Benefit Topics
Page 2
Benefit Enhancements/Changes – What’s New
2019-20 Medical and Dental Bi-weekly Premium Rates
2019-20 Benefits Calculator
Supplemental Life Insurance for Dependents (changes)
FSA Rollover (up to $500 may roll to next year)
Commuter Services Program Update
My Health Matters!
EMACS Self-Service
What’s New for Benefit Plan Year 2019-20
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New Lower Premium Cost Medical Plan Options Available
The County is excited to introduce two new lower premium cost medical plan options being offered
alongside our existing plans. Employees now have the option of selecting:
Blue Shield Access+ HMO Kaiser Choice HMO
New Plans Feature: Additional Providers Available on
Lower bi-weekly premiums the Blue Shield Network:
Free preventative screenings (i.e. annual physical) Pending secured contracts, the following
Free Well Woman and Well Baby exams
providers will be available under Blue Shield
Free telemedicine
effective July 1st:
$0 Calendar Year Deductible
Loma Linda University Medical Center -
Most routine copays are $40-$50
Most prescriptions range from $5 to $35
available on all Blue Shield plans
Specialty prescriptions are 20-30% up to a maximum of $200 each Arrowhead Regional Medical Center
Higher out-of-pocket annual maximums: (ARMC) - available on the Blue Shield PPO
$3,500 each member / $7,000 family maximum and Signature HMO Tier II service
What’s New for Benefit Plan Year 2019-20
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Supplemental Life Insurance for Dependents Modified Benefit Option (MBO)
For this Open Enrollment only, eligible employees may New Classifications have been
enroll their spouse/domestic partner in supplemental life added. For more information visit
with a $50,000 guaranteed issue amount without being the MBO web page at
subject to Evidence of Insurability (EOI) requirements. http://cms.sbcounty.gov/hr/Benefits/
If existing enrollees increase spouse/domestic partner BenefitCampaigns/OpenEnrollment/
coverage over $10,000 EOI is required. ModifiedBenefitOption.aspx
Flexible Spending Account (FSA) New Employee Rideshare Website:
The Flexible Spending Account (FSA) annual maximum SBtrip (www.sbcounty.gov/sbtrip)
has increased to $2,700. The County’s Employee Rideshare
You must re-enroll each plan year to participate and this Program has launched a new ride-
includes when you have a balance to rollover. The matching and rewards website,
maximum amount to rollover is $500. SBtrip. SBtrip stands for San
Bernardino Traffic Reduction
FSA is a great way to save money by paying for certain
Incentive Program.
medical care expenses with pre-tax dollars. The FSA
plan is convenient and easy to use.
Things to Do
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Review your benefit options
Employee Benefits Guide
Open enrollment website – www.sbcounty.gov/benefits
Summary of Benefits and Coverage (SBC)
Select the plans that best suit your needs
Including medical, dental, and life insurance
Enroll in the Flexible Spending Account (FSA)
Enrollment is optional and not required
Review and update beneficiaries/emergency contacts as needed
What Can Be Changed During Open Enrollment (OE)?
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Medical / Dental plans
Flexible Spending Account (FSA)
Add / remove dependents
Enrollment or disenrollment in the Modified Benefit Option (MBO)
Before-tax or after-tax premium deductions
Supplemental Life / Accidental Death & Dismemberment (AD&D)
Insurance Coverage
Beneficiary Updates
Life Insurance, Retirement and Salary Savings Accounts
Last Warrant – submit completed paper form to your department payroll specialist
2019-20 Bi-Weekly Medical Premium Rates
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Premium rates will be effective July 6, 2019 and will appear on the July 31,
2019 pay warrant.
Coverage is effective July 20, 2019.
Kaiser Kaiser Blue Shield Blue Shield Blue Blue Shield
Plan Traditional Choice Signature Access + Shield PPO
HMO HMO HMO HMO PPO Needles
Employee
$298.85 $259.54 $259.42 $225.40 $481.68 $543.61
Only
Employee
$595.69 $517.07 $516.84 $448.81 $979.58 $1,105.20
+1
Employee
$842.05 $730.82 $760.51 $634.24 $1,519.33 $1,711.42
+2
How do the New Plans Compare?
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HMO Plan General Service Fees
Blue Shield Blue Shield Kaiser Traditional Kaiser Choice
Service Signature HMO Access + HMO HMO HMO
(Tier 1)
Office Visits $10 $40 $10 $40
Specialist Visits $10 $40 - $50 $10 $50
Outpatient Mental Health Services $10 $40 $10 $40
Annual Physical
No charge No charge No charge No Charge
(Inc. Well Woman, Baby, Child exams)
Maternity Care No charge No Charge No charge No Charge
Urgent Care $10 $40 $10 $40
Emergency Room $50 $50 $50 $150
$100 per admission
Hospital Care No charge No charge $500 per day
+20%
$1,500 per member $3,500 per member $1,500 per member $3,500 per member
Annual Out of Pocket Maximum
$3,000 family $7,000 family $3,000 family $7,000 family
Bi-Weekly Premium Rate Example
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Example: Jane is an Office Assistant III electing Employee only coverage and wants to
select one of the Blue Shield HMO plans. Aside from the occasional cold, she is fairly
healthy and typically goes to the doctor for her annual physical and well woman exam.
Blue Shield Access + HMO Blue Shield Access + HMO Signature HMO
$ 225.40 Bi-weekly premium Physical Exam $0 $0
- 198.82 Medical Premium Subsidy
Doctors Office Visit $40 $10
$ 26.58 Bi-weekly out-of-pocket cost
Prescription $25 $10
Blue Shield Signature HMO Well Woman Exam $0 $0
$ 259.42 Bi-weekly premium Total Copays $65 $20
- 198.82 Medical Premium Subsidy
Annual Premiums $691.08 $1,575.60
$ 60.60 Bi-weekly out-of-pocket cost
Annual Cost $756.08 $1,595.60
Jane will save $839.52 annually by selecting the Access + HMO!
Important Note: Plans are subject to an out of pocket maximum. Employees should refer to the Plan Summaries
section of the benefits guide for more details to consider when making a decision based on their specific situation.
Bi-Weekly Premium Rate Example
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Example: Chris is a District Attorney IV electing family coverage (Employee + 2 or more) and wants
to select one of the Kaiser HMO plans. Aside from his children getting occasional ear infections or
fevers, they are a fairly healthy family and typically go to the doctor just for their preventative
screenings including annual physicals, well child, and well woman exams.
Kaiser Choice HMO Traditional HMO
Kaiser Choice HMO
$ 730.82 Bi-weekly premium Physical Exams $0 $0
- 503.41 Medical Premium Subsidy Office/Urgent Care Visits $200 (5 @ $40 each) $50 (5 @ $10 each)
$ 227.41 Bi-weekly out-of-pocket cost Prescriptions $185 (3 @ $15 + 4 @ $35) $90 (3 @ $10 + 4 @ $15)
Well Child/Woman Exams $0 $0
Kaiser Traditional HMO
$ 842.05 Bi-weekly premium Total Copays $385 $140
- 503.41 Medical Premium Subsidy Annual Premiums $5,912.66 $8,804.64
$ 338.64 Bi-weekly out-of-pocket cost Annual Cost $6,297.66 $8,944.64
Chris will save $2,646.98 annually by selecting the Kaiser Choice HMO!
Important Note: Plans are subject to an out of pocket maximum. Employees should refer to the Plan Summaries
section of the benefits guide for more details to consider when making a decision based on their specific situation.2019-20 Bi-Weekly Dental Premium Rates
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Premium rates will be effective July 6, 2019 and will appear on the July 31,
2019 pay warrant.
Coverage is effective July 20, 2019.Benefits Calculator
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Provides an estimate of per pay period out of pocket benefit cost
Currently available with 2019-20 premiums
http://cms.sbcounty.gov/hr/calculator
Updated with Modified Benefit Option (MBO)
Allows for comparison of benefit options to see
what best fits employees’ financial situationSupplemental Life Insurance for Dependents
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Changes to Spouse/domestic partner coverage:
New enrollees: $50,000 guaranteed issue on– this OE only
Existing enrollees can increase coverage by $10,000 without Evidence of Insurability
(EOI)
Reminders:
Premium of spouse/domestic partner coverage depends on employee’s age and
amount of coverage selected
Single, fixed rate covers all children in $5,000 increments, up to $20,000. All amounts
are guaranteed/no EOI required.
No dual coverage: Dependent(s) not eligible if covered by another County employee
Spouse/domestic partner: $10,000 increment, capped at employee’s total combined
basic and supplemental life and not to exceed $250,000, subject to EOI.Flexible Spending Account (FSA)
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New limits announced!! Maximum annual
contribution is increasing from $2,650 to $2,700
Equates to $103.84 contribution per pay period
Roll-over up to $500
Must enroll in the following plan year to qualify for rollover benefit
Enrollment is required each year; elections made in the previous year do not
continue into the new plan year
Election is irrevocable, unless you experience a qualifying life eventCommuter Services
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Helping employees find alternatives to driving alone
to decrease air pollution and traffic congestion
Find your smart commute or rideshare partner and log your trips
to qualify for rewards at www.sbcounty.gov/sbtrip Free sign-up gift
Guaranteed Ride Home Program $4/day start-up
incentive
Fleet Hybrid Carpool, Vanpool*, and Mass Transit* Program Subsidies
*Fees deducted pre-tax (up to $265 per month) directly from your paycheck Monthly challenges
and raffles
Visit www.sbcounty.gov/rideshare for more information Quarterly gift cards
Contact Commuter Services at (909) 387-9639 or (909) 387-9640 or Points Store
email hrcommuterservices@sbcounty.govEmployee Discount Program
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The County of San Bernardino Human Resources Department has partnered
with PerkSpot to bring employees an Employee Discount Program!
Employees can register at https://sbcounty.perkspot.com to access hundreds
of exclusive discounts and savings with national and local merchants
Employees can access savings perks at home, on-the-go, and while
traveling with any device
Don’t miss out on the San Bernardino County ‘Exclusive’ Discounts!
Can’t find the perk that you are looking for, or have a suggestion for a
discount?
Simply fill out the “Suggest a Merchant” form on the PerkSpot webpage at
https://sbcounty.perkspot.com/suggest, so that PerkSpot can contact that
merchant and allow you and others to receive a discount from them.My Health Matters!
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Stay tuned for details on the 2019-20 Wellness Campaign that begins in the
fall!
Discounted gym memberships are also available through Blue Shield, Kaiser
Permanente, 24 Hour Fitness, and at www.sbcounty.perkspot.com.
Visit the My Health Matters! web page for detailed information on Health Club
Memberships
E-mail: mhm@hr.sbcounty.gov
http://cms.sbcounty.gov/hr/Benefits/WellnessProgram.aspxEMACS Self-Service
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Available June 1 - 21, 2019
All benefit changes must be completed online using EMACS self-service instructions on
page 16 of the Benefits Guide
Submit final elections by 11:59 pm on Friday, June 21
New enrollees to Blue Shield Signature or Access+ HMO as well as Delta Dental DHMO
must select a group and provider or one will be selected for them by the carrier
If you are switching from Blue Shield Signature to Access+ HMO, you must enter a Group #
If you are a current enrollee in Blue Shield Signature HMO and only want to change your
doctor, contact Blue Shield directly – do not submit your doctor change through EMACS
self-service
Print confirmation page
Elections that are saved, but have not been submitted will not be processedEMACS Self-Service
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Dependent Enrollment/Eligibility Removing Dependents in EMACS
Enrollment changes made during OE are effective Review the listing of dependents and/or
July 20, 2019 beneficiaries
Ex-spouses are not eligible for County-sponsored Click on the dependent name to be
coverage, even when coverage is required by modified and then ‘Edit’
court order Edit information as necessary, then click
Adding Dependents in EMACS ‘Save’
Click on ‘Add a Dependent or Beneficiary’ and Click ‘OK’
enter the required information Click to go back to the Dependent/
Click ‘Save’ and then click ‘OK’ Beneficiary Summary page to review
Click ‘Return to Dependent/Beneficiary Summary’ Dependents voluntarily removed during
to go back to the summary page OE are NOT eligible for COBRA coverage
as this is not considered a COBRA
Be sure to enter a social security number for each
qualifying event
dependentEMACS Self-Service
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Dental Enrollment: Employees Enrolling in MBO:
Employees selecting DeltaCare USA DHMO Employee should complete paper forms -
must specify the dentist provider both as a new hire and for Open Enrollment
Member ID cards can be printed from the Ensures correct benefits are attached to the
Delta Dental at www.deltadentalins.com program
Schedule assignments have to be cleared
Employees who are out on a leave and their with Human Resources Officer
benefits are waived to COBRA:
They should not submit anything through Many new classifications have been added –
EMACS self-service review MBO page on Benefits website to see
They will have the opportunity to make if you qualify
benefit elections through COBRA OE
Please contact Employee Benefits if there
are any questions at ebsd@hr.sbcounty.govBeneficiary & Emergency Contact Updates
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OE is a good time to review Beneficiary Designations & Emergency
Contacts
Consider updating Updates can be made via
Emergency Contacts • EMACS Self-Service
• Paper form submitted to department payroll
specialist
Last Paycheck (warrant) Beneficiary • Paper form submitted to department payroll
Designation specialist
Life Insurance • EMACS Self-Service
-Implications for designating minor • Paper form submitted to Employee Benefits
children should be considered
SBCERA • Paper form submitted to SBCERA
Voya Accounts • Paper form submitted to Voya
Forms for updating each of these items are located on the EMACS Forms website:
EMACS Forms>Employee Resources>Mid-Year Change-in-StatusLife Events/Mid-year Changes
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If you experience a life event/mid-year change during the months of June/July, you will
want to make sure that you submit BOTH a mid-year change and OE change
Enrollment changes made during OE remain in effect for the entire plan year
Mid-year changes are only permitted when you experience a qualifying life event
Examples include:
Marriage/Registered Domestic Partnership
Death
Birth/Adoption
Refer to the Life Events Chart of the Benefits Guide (pgs. 14/15)
Submit forms and documentation within 60 days of the event
Important Note: Newborns or children newly adopted or placed for adoption should be
added to coverage via a mid-year change and not as an OE additionDocumentation Deadline – Friday, July 5, 2019
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Dependent Documentation: Opt-Out / Waive:
Proof of eligibility for all newly enrolled Employees who have other employer-
dependents must be submitted to sponsored coverage or are covered
Employee Benefits under a County spouse or registered
A completed Disabled Dependent domestic partner, may opt-out or waive
Certification is REQUIRED for County-sponsored coverage
dependents who are over the age of 26 New opt-outs/waives must use EMACS
and permanently disabled self-service to certify election
Inform Employee Benefits of any Verification of other coverage must
difficulties obtaining documentation by or include the effective date
before the deadline
All documentation must be submitted by Friday, July 5, 2019
Include name, employee ID#, and “OE 2019” on all pagesImportant Dates and Deadlines
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OE is June 1 - 21, 2019
MPS changes vary depending on bargaining unit – Most take effect on July 20, 2019
New plan year starts July 20, 2019
Supporting documentation is due to Employee Benefits by
5:00 pm, Friday, July 5, 2019
Confirmation of 2019-20 benefit elections
Available in EMACS self-service beginning July 8, 2019
Changes on paycheck statement
Effective June 22, 2019, your SBCERA contribution rate will be changed
Tier 1 General and Safety Members, please refer to benefits guide for new rate information
Tier 2 rates decreased to 9.10% for General Members and 16.19% for Safety Members
Wednesday, July 31 for medical/dental premiums
Wednesday, August 14 for FSA and refundable/nonrefundable retirement benefitsContact Information/Resources
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Employee Benefits
Phone: (909) 387-5787
E-mail: ebsd@hr.sbcounty.gov
Plan carrier and other benefit related contact
information is on pg. 6 of the Benefits Guide We will be posting important
Open Enrollment information
Employee Benefits Websites on Social Media!
www.sbcounty.gov/Benefits
Follow us @SBCountyCareers
Benefits Calculator
http://cms.sbcounty.gov/hr/calculatorYou can also read
